The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,636
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,936
−HK$304/mo
Today · 4.125%
HK$10,240
baseline
▲ 0.50% · 4.625%
HK$10,863
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,480/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,720
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,007
−HK$292/mo
Today · 4.125%
HK$11,299
baseline
▲ 0.50% · 4.625%
HK$11,894
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,598/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,563
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,923
−HK$365/mo
Today · 4.125%
HK$12,288
baseline
▲ 0.50% · 4.625%
HK$13,036
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,576/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,864
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,209
−HK$350/mo
Today · 4.125%
HK$13,559
baseline
▲ 0.50% · 4.625%
HK$14,273
+HK$714/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,118/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,490
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,910
−HK$426/mo
Today · 4.125%
HK$14,336
baseline
▲ 0.50% · 4.625%
HK$15,208
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,672/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,008
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,410
−HK$408/mo
Today · 4.125%
HK$15,818
baseline
▲ 0.50% · 4.625%
HK$16,652
+HK$834/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,636/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,344
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,884
−HK$548/mo
Today · 4.125%
HK$18,432
baseline
▲ 0.50% · 4.625%
HK$19,554
+HK$1,122/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$36,864/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,296
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,813
−HK$525/mo
Today · 4.125%
HK$20,338
baseline
▲ 0.50% · 4.625%
HK$21,410
+HK$1,072/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$40,676/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,251 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).